Well, that's good news, and a big savings! Now if we cancel the private health insurance policy here in the States, for which we pay about 400$ a month, what happens on holidays when we return to the US, if there was a medical problem? Obviously NHS would not cover care in the US . . . would we just get travel insurance to cover the week or two that we returned for, say Christmas, or "spring" break? If that's the case, can anyone recommend any reliable companies? Also, does anyone have any suggestions for reliable insurance for a UKC to have when coming to the US for a vacation, especially a company that might offer trip cancellation insurance? Thanks for your help!